Tokio Marine HCC

Atlas America Insurance

Advantages
Disadvantages
  • UNDERWRITERS : Underwritten by Lloyds, London.
  • RATING :
    • AM Best Rating: A++ (Superior)
    • Standard & Poor’s Rating: AA-

Plans Highlights

POLICY MAXIMUM
  • Age 80+: $10,000; Age 70 to 79: $50,000; All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000.
Eligibility
  • Non-US Citizens traveling outside their home country.
Benefit Period
  • 90 days.
DEDUCTIBLE
  • $0, $100, $250, $500, $1,000 or $2,500 per certificate period.
Co-insurance
  • Claims incurred in U.S. or Canada:
    • For the certificate period, underwriters will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
    • Coinsurance will be waived if expenses are incurred within the ppo and expenses are submitted to underwriters for review and payment directly to the provider.

Pre-Existing Conditions Coverage Limit

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)

  • Age 70 to 79 : Up to the overall maximum limit or $100,000, whichever is lower.
  • Under age 70 : Up to the overall maximum limit.
  • Up to $25,000 lifetime maximum for Emergency Medical Evacuation.

Benefits Details

Coverage Benefits
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Emergency room co-payment Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S. - No co-payment.
Urgent care center co-payment Claims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period 90 days per certificate period.
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Overall maximum limit (not subject to deductible or coinsurance).
Return of minor children Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuation Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing condition Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower. (excludes chronic and congenital conditions)
Emergency dental (acute onset of pain) Up to $250 (not subject to deductible or coinsurance).
Accidental death & dismemberment
  • Members under age 18: Up to $5,000 lifetime maximum.
  • Members age 18-69: Up to $25,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up : $25,000
Common carrier accidental death Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggage Up to $1000 (not subject to deductible or coinsurance).
Trip interruption Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disaster Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuation Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liability Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Personal Liability buy up : $75,000.
Outpatient physical therapy and chiropractic care Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet return Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit Up to $1,500 (not subject to deductible or coinsurance).
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (not subject to deductible or overall maximum limit).

Hospital room and board

Average semi-private room rate, including nursing services.

Intensive care unit

Up to the overall maximum limit.

Emergency room co-payment

Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S. - No co-payment.

Urgent care center co-payment

Claims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.

Local Ambulance

Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.

Benefit Period

90 days per certificate period.

Emergency Medical Evacuation

$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.

Repatriation of remains

Overall maximum limit (not subject to deductible or coinsurance).

Return of minor children

Up to $50,000 (not subject to deductible or coinsurance).

Emergency Reunion

Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).

Acute onset of pre-existing condition emergency medical evacuation

Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).

Acute onset of pre-existing condition

Under age 70: Covers up to overall maximum limit. Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)

Emergency dental (acute onset of pain)

Up to $250 (not subject to deductible or coinsurance).

Accidental death & dismemberment

  • Members under age 18: Up to $5,000 lifetime maximum.
  • Members age 18-69: Up to $50,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.

$250,000 maximum benefit any one family or group.

Common carrier accidental death

Up to $50,000 for ages 18 through 69
Up to $25,000 under age 18
Up to $12,500 for ages 70 through 74
Up to $6,250 for ages 75 and older
Maximum of $250,000 for any one family or group.

Emergency Eye Exam for a Covered Loss

Up to $150. $50 deductible per occurrence (plan deductible is waived).

Lost checked luggage

Up to $500 (not subject to deductible or coinsurance).

Trip interruption

Up to $10,000 (not subject to deductible or coinsurance).

Travel delay

Up to $100 a day after a 12-hour delay period, maximum of 2 days.

Natural disaster

Up to $250 a day for 5 days (not subject to deductible or coinsurance).

Political evacuation

Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).

Terrorism

Up to $50,000 lifetime maximum for eligible medical expenses only.

Hospital indemnity

$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).

Personal liability

Up to $10,000 lifetime maximum
Up to $10,000 third person injury
Up to $10,000 third person property
Up to $2,500 related third person property

Outpatient physical therapy and chiropractic care

Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).

Pet return

Up to $1,000 (not subject to deductible or coinsurance).

Bedside visit

Up to $1,500 (not subject to deductible or coinsurance).

Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses)

Up to $10,000 (not subject to deductible or overall maximum limit).

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